Well, off the top of my head... there was a claim that Disney didn't care about anybody being uncomfortable with Splash Mountain's existence and just wanted to sell Tiana dolls and "Instagrammable" food... there was
@WDW Pro's claim that the retheme was announced out of fear that the people demanding it would start a Disney Plus boycott... there was a claim that this retheme dates back to 2017 and was thought up because Splash Mountain merchandise wasn't selling all that well...
And where does Frederick Chambers fit into this? I still doubt it's just a coincidence that he had the exact same idea that Disney was planning.